We’ve all been there—hesitating just seconds before hitting send on a quote, wondering if we’re asking for too much. That pesky imposter syndrome loves to rear its head right when we need confidence most. In this episode, I sit down with the incredible Roxanne Calder, CEO, recruiter and author of the brand new book Earning Power: Breaking Barriers and Building Wealth for Women. Roxanne is a powerhouse in wealth management with a passion for personal empowerment, and her insights on recognising our true worth are both uplifting and incredibly practical.
We talk about breaking the conventional rules that often undervalue skills and professions where women predominate. Roxanne shares her impressive journey in a male-dominated industry, revealing how she crafted her own set of rules that place a premium on her worth and abilities. We explore how questioning these norms isn’t about going rogue for the sake of it, but about challenging systems that systematically minimise women’s contributions. When it comes to building wealth, Roxanne masterfully reframes the conversation—it’s not just about piling up resources, but creating a future that aligns with your dreams and aspirations through financial education and savvy choices.
The biggest gem from our chat is Roxanne’s approach to charging what you deserve. Her strategies are gold for anyone dealing with self-doubt hurdles that keep us from asking for our worth. She emphasises that your rates aren’t just numbers—they’re statements of the skills and experience you bring to the table. Whether you’re negotiating salaries, setting business rates or rethinking your perceptions of worth, Roxanne reminds us that wealth starts from the inside. It’s about having the courage to step confidently into your value and demand the recognition you’re worthy of.
Key Topics Covered:
• Overcoming imposter syndrome when pricing your services
• Breaking rules that systematically undervalue women
• Reframing wealth as creating your dream future
• Practical strategies for charging what you’re worth
• Building confidence through financial education
LINKS:
Connect with Roxanne:
Book: Earning Power: Breaking Barriers and Building Wealth for Women
Website: https://roxannecalder.com.au/
LinkedIn: https://www.linkedin.com/in/roxannecalder/
Instagram: @roxanne.calder
Website | Instagram | LinkedIn | YouTube
Transcript
Hello and welcome
Janine:to another week and another
Janine:episode of this podcast,
Janine:unleashing Brilliance.
Janine:So today we're gonna talk
Janine:about one of the biggest
Janine:mindset monsters for women in
Janine:business, and that is money.
Janine:And more specifically.
Janine:Charging what we're worth.
Janine:Now, if you've been listening
Janine:to this podcast for a
Janine:while, you will have seen
Janine:or listened to a couple of
Janine:episodes where I'm talking
Janine:about pricing and worth,
Janine:how to double our profit.
Janine:Well, today I
Janine:have the pleasure.
Janine:Of the incredible Roxanne
Janine:Calder joining me as a
Janine:guest on this conversation.
Janine:She is a CEO, A recruiter
Janine:and an author of the brand
Janine:new book, earning Power,
Janine:breaking Barriers, and
Janine:Building Wealth for Women.
Janine:And let me tell you, this
Janine:isn't just another lean
Janine:in pep talk because we
Janine:get real about the gender
Janine:pay gap and actually.
Janine:Where we are contributing to
Janine:that, we get real about the
Janine:pricing traps and imposter
Janine:syndrome and how to shift
Janine:from hustle and hope to
Janine:wealth building strategies.
Janine:We're gonna break down her
Janine:million dollar formula,
Janine:diving into self-worth
Janine:versus market value.
Janine:And yes, we're gonna talk
Janine:about the exact moment.
Janine:Many of us still discount
Janine:our expertise out of fear.
Janine:Conditioning or out
Janine:of just plain habit.
Janine:So if you've ever second
Janine:guessed your pricing, if
Janine:you've ever second guessed
Janine:the negotiation for a salary
Janine:increase, if you've rewritten
Janine:a proposal 15 times or agreed
Janine:to work with that low client,
Janine:you knew would be a headache.
Janine:This one's for you.
Janine:So let's get stuck in.
Janine:Roxanne, welcome to the
Janine:Unleashing Brilliance Podcast.
Janine:So fabulous to have you
Janine:joining me in a conversation
Janine:all about earning power,
Janine:charging our worth, all
Janine:of the imposter syndrome
Janine:that kicks in on that.
Janine:It's wonderful to have you.
Janine:Thanks for coming along today.
Roxanne:Thank
Roxanne:you for having me.
Janine:Now we were talking
Janine:off air about, why I'm so glad
Janine:that somebody has written this
Janine:book around earning potential.
Janine:I shared the, in the work that
Janine:I do with, with my clients,
Janine:I would, I reckon probably
Janine:every single week there's
Janine:conversations about how
Janine:much money should I charge?
Janine:people are trying
Janine:to discount me.
Janine:Should I go for it?
Janine:I can't possibly
Janine:charge that much.
Janine:this is why this book is so
Janine:important because we've got
Janine:to, we've just got to get
Janine:past all of those barriers
Janine:when it comes to our worth,
Janine:our earning potential,
Janine:and charging our worth.
Janine:But before we dive into it,
Janine:I'd love to hear straight up,
Janine:why did you write this book?
Janine:What was it that drove
Janine:you to write this book?
Roxanne:I love
Roxanne:writing for a start.
Roxanne:So it's, my, it's my second
Roxanne:book, but in particular,
Roxanne:this topic well is based
Roxanne:on the gender pay gap.
Roxanne:So, my work is recruitment.
Roxanne:I have a recruitment
Roxanne:business, it's called S 10.
Roxanne:I've worked my whole
Roxanne:life in recruitment and.
Roxanne:The majority of people
Roxanne:that I've worked
Roxanne:with have been women.
Roxanne:I've placed thousands
Roxanne:of women in jobs.
Roxanne:and throughout that
Roxanne:time, specifically,
Roxanne:probably the last maybe
Roxanne:10 years, I had noted.
Roxanne:The decisions that
Roxanne:females were making that
Roxanne:was costing them a whole
Roxanne:lot of money throughout
Roxanne:their, their lifetime.
Roxanne:So for example, you know,
Roxanne:uh, we would have a job offer
Roxanne:that would come through and
Roxanne:that, you know, whoever it was
Roxanne:would come back and say, Rox,
Roxanne:it's just not the right time.
Roxanne:Or, I don't think I've
Roxanne:got the right skills.
Roxanne:or spoke to my husband and we
Roxanne:think that I should be doing
Roxanne:this instead, or whatever it.
Roxanne:might be.
Roxanne:these are Decisions that
Roxanne:females were making or
Roxanne:women were making, you
Roxanne:know, once a month or every
Roxanne:quarter or once a year.
Roxanne:This is a daily event.
Roxanne:And so,
Roxanne:I started to my mind,
Janine:Add it up
Roxanne:And like, I'm quite
Roxanne:a, I'm quite good at math.
Roxanne:I was like, a sec.
Roxanne:that's $5,000.
Roxanne:It's not costing you $5,000.
Roxanne:It's actually costing
Roxanne:you this amount.
Roxanne:And by the time you come to
Roxanne:retirement, that's, I'm pretty
Roxanne:sure that's a million dollars.
Roxanne:So I've worked this all out.
Roxanne:And so when the gender pay gap
Roxanne:started to come through loud
Roxanne:and clear last year, even that
Roxanne:had been talked about forever.
Roxanne:I remember thinking, but I've
Roxanne:known about this forever.
Roxanne:Why?
Roxanne:Why are we making such
Roxanne:a big deal about it now?
Roxanne:Like, why is everyone
Roxanne:blowing the trumpet when
Roxanne:it's been around forever?
Roxanne:And that's why I
Roxanne:wrote the book.
Roxanne:So the, the gender pay
Roxanne:gap in its strictest form
Roxanne:talks about structural and
Roxanne:systemic barriers that stop
Roxanne:women from earning more.
Roxanne:I take that and carry it
Roxanne:through the book to say we
Roxanne:carry those with us and that's
Roxanne:what impacts our decisions.
Roxanne:And my belief is
Roxanne:Probably similar to your
Roxanne:audience, you know, if
Roxanne:the, the business owners
Roxanne:or managers in that sort of
Roxanne:field that you own, sort of
Roxanne:control of your own destiny.
Roxanne:I, don't like people to tell
Roxanne:me what I can, can't earn or
Roxanne:what I should or shouldn't do.
Roxanne:You know, I was one
Roxanne:of those little bit.
Roxanne:Rebellious females and.
Roxanne:for this structural
Roxanne:change to come through,
Roxanne:it's gonna be centuries.
Roxanne:so we won't be around
Roxanne:to benefit from it and
Roxanne:neither will our children.
Roxanne:So the book is very much about
Roxanne:efficacy in terms of bringing
Roxanne:change about for yourself.
Janine:And hence why I'm so
Janine:glad you've written the book.
Janine:It's, it's exactly um, I
Janine:wrote a piece on LinkedIn
Janine:around International,
Janine:international Women's Day,
Janine:around, talking about actually
Janine:how I hate International
Janine:Women's Day, how I'm over
Janine:it.
Janine:And it is because of that,
Janine:we're having the same
Janine:conversations over and over
Janine:and over again, and nothing
Janine:fundamentally is changing.
Roxanne:but the thing is,
Roxanne:Janine, I think sometimes when
Roxanne:we challenge that rhetoric.
Roxanne:sometimes we get shot down
Roxanne:for that because people
Roxanne:wanna just get on the same
Roxanne:train with that and, but if
Roxanne:nothing changes from it, then
Roxanne:you, I'm with you on that.
Roxanne:We should be challenging
Roxanne:and saying, well, what's
Roxanne:happening about it?
Janine:Yeah, it's,
Janine:it's really interesting.
Janine:I mean, I, uh, before we
Janine:dive into your book I've
Janine:got early twenties age
Janine:children and I was having
Janine:a conversation with my son
Janine:about, the career choices
Janine:that he's making and where
Janine:he's starting his career.
Janine:And, his girlfriend,
Janine:long-term girlfriend is.
Janine:Going into the same industry.
Janine:he was questioning this
Janine:concept of inequality
Janine:as a 21-year-old.
Janine:And I said to him, you
Janine:know, out of interest,
Janine:maybe ask your girlfriend
Janine:what, what she thinks her
Janine:opening salary should be.
Janine:What, what, what
Janine:sort of pay level?
Janine:And even in that, in
Janine:instance, the discrepancy.
Janine:Showed itself.
Janine:this is my point son.
Janine:Uh, it's really important
Janine:that you, that you actually
Janine:become aware of this and
Janine:it's equally important.
Janine:So I have, uh, my daughters
Janine:friends or friends of friends
Janine:come and help me and they'll
Janine:go, I'll do it for free.
Janine:I go, no, you won't.
Janine:You have to charge.
Janine:But it's that, it's that
Janine:constant challenging
Janine:and thinking about it.
Janine:So, let's just talk about
Janine:some of these, money blocks
Janine:that you referenced your.
Janine:You talk in your book
Janine:about your million dollar
Janine:framework, which I think
Janine:is absolute genius, uh,
Janine:because what it does is it
Janine:gives women this tangible
Janine:visual roadmap to wealth.
Janine:But you also talk about
Janine:these mindset traps
Janine:that get in the way.
Janine:I'm curious, what's, what's
Janine:one silent money block that
Janine:you see constantly showing
Janine:up for women and how do we
Janine:start to, dismantle that?
Roxanne:If I said to you,
Roxanne:Janine, or any of your
Roxanne:friends, or, you know, if
Roxanne:you had daughters, you are
Roxanne:impacted by the discrepancy,
Roxanne:this million dollar
Roxanne:gender pay discrepancy.
Roxanne:It's likely, even if you
Roxanne:nodded, it's likely deep
Roxanne:down that you are thinking
Roxanne:not so much 'cause I've been
Roxanne:in charge of my own future.
Roxanne:I've, I'm educated, I'm
Roxanne:whatever it might be.
Roxanne:And very lies part
Roxanne:of the problem.
Roxanne:Most females
Roxanne:think that they're
Roxanne:not affected by this,
Roxanne:but I can pretty
Roxanne:much guarantee.
Roxanne:Nearly every single female
Roxanne:has been impacted by it.
Roxanne:And it's because we carry
Roxanne:the, the level of bias
Roxanne:or social conditioning,
Roxanne:all the way through.
Roxanne:So from when we are a
Roxanne:child of, that's what you
Roxanne:should do or shouldn't
Roxanne:do, that's what you should
Roxanne:wear or shouldn't wear.
Roxanne:All the way through to
Roxanne:the workforce and that
Roxanne:builds and, and compacts.
Roxanne:So when we have, you
Roxanne:know, we carry that piece
Roxanne:of baggage, and we carry
Roxanne:that piece of baggage, and
Roxanne:then when we get to the
Roxanne:workforce, it's any wonder
Roxanne:that we are making decisions
Roxanne:that are holding us back.
Roxanne:It's because of all
Roxanne:The layers that we've
Roxanne:been carrying in time.
Roxanne:The example that you gave with
Roxanne:your son and his girlfriend.
Roxanne:All of the stats and
Roxanne:figures back that up.
Roxanne:Graduates, females and
Roxanne:males, female graduates
Roxanne:start on a lower salary than
Roxanne:males, no matter the degree.
Roxanne:If they're in the same
Roxanne:degree, it's the same
Roxanne:thing, the same degree.
Roxanne:Females will start on a lower
Roxanne:starting salary than males.
Roxanne:when you talked about
Roxanne:the blocks, you know,
Roxanne:for example, we need to
Roxanne:just back ourselves more.
Roxanne:that's an easy statement
Roxanne:to make, Isn't it?
Roxanne:Like, oh, just
Roxanne:back yourself more.
Roxanne:And so it goes back to
Roxanne:having the confidence to
Roxanne:be brave and your decisions
Roxanne:question the mindset.
Roxanne:So when you are saying no to
Roxanne:an opportunity, what's the
Roxanne:real reason you're saying no?
Roxanne:Is it because you are
Roxanne:too scared to say yes?
Roxanne:So for, you know, your
Roxanne:clients that are saying
Roxanne:to you, oh, I don't think
Roxanne:I should charge that.
Roxanne:Should I charge that.
Roxanne:I've been asked to give
Roxanne:an $8,000 discount.
Roxanne:I don't feel comfortable.
Roxanne:What do I do about that?
Roxanne:The reason you're questioning
Roxanne:it, isn't it because on
Roxanne:worth, it's because you're
Roxanne:too scared to push back.
Roxanne:And if that's the reason,
Roxanne:then get comfortable with
Roxanne:recognizing that and then
Roxanne:start to push back on that
Roxanne:and work out how, on practice
Roxanne:how to have that conversation
Roxanne:that says to your client, I'm.
Roxanne:really sorry.
Roxanne:Thank you for
Roxanne:bringing that up.
Roxanne:And I'm really
Roxanne:grateful that you.
Roxanne:Sink or would like to ask
Roxanne:me to take that discount,
Roxanne:but I actually can't.
Roxanne:And here's the reasons why.
Janine:Mm
Janine:Do you actually actively see
Janine:that in your organization
Janine:with the female candidates
Janine:versus the male candidates?
Janine:What, how does
Janine:it present itself
Roxanne:in so
Roxanne:many different ways
Janine:could
Roxanne:could be that they're
Roxanne:presented with an opportunity,
Roxanne:a promotion, advancement.
Roxanne:It's unexpected and instead
Roxanne:of being like, that's amazing,
Roxanne:wow, someone believes in me.
Roxanne:It's the, oh, I don't
Roxanne:think I'm ready to do that.
Roxanne:I, I actually need
Roxanne:another couple of years.
Roxanne:I don't have all
Roxanne:of those skills.
Roxanne:And yet, if it was a male
Roxanne:in the same situation,
Roxanne:Guaranteed they will grab that
Roxanne:opportunity and run with it.
Roxanne:And so they should, and
Roxanne:good on them for doing that.
Roxanne:We need to do more of that
Roxanne:Or it might be they get an
Roxanne:opportunity and we know,
Roxanne:I see this every day.
Roxanne:I get an opportunity they come
Roxanne:back and it might be I need to
Roxanne:talk to my husband about it.
Roxanne:Okay, fair enough.
Roxanne:'cause it's a family.
Roxanne:then the answer comes
Roxanne:back my husband thinks
Roxanne:that I shouldn't.
Roxanne:So what I always think is.
Roxanne:okay,
Roxanne:if that was a joint decision.
Roxanne:Own it.
Roxanne:I think that I shouldn't
Roxanne:do it Instead of it
Roxanne:being my husband.
Roxanne:And I know this might sound
Roxanne:controversial to, to say
Roxanne:this, but it is actually true.
Roxanne:This is what happens
Roxanne:and it's reality and it
Roxanne:happens with 30 year olds.
Roxanne:I'm not talking about
Roxanne:people who are, you
Roxanne:know, in their sixties or
Roxanne:might have grown up in a
Roxanne:different era where it was a
Roxanne:different lifestyle choice.
Roxanne:This is happening for
Roxanne:for women in their
Janine:in women.
Janine:Oh.
Janine:And even, you know, just to
Janine:put it into the context of
Janine:my own business, where I'm
Janine:essentially helping female
Janine:business owners scale and
Janine:grow their businesses, and
Janine:I get the, the calls through
Janine:and we, it's very clear as to
Janine:whether this program that I
Janine:runs, a fit or not upfront.
Janine:And you then get to how
Janine:much, and it becomes.
Janine:Let me just go talk to
Janine:my husband about it, some
Janine:come back and they say no.
Janine:Even though it is pretty
Janine:clear that their business
Janine:will not grow, will not
Janine:change, will not scale if
Janine:they don't do anything.
Janine:So my point there is in
Janine:terms of your own personal
Janine:development and your own
Janine:growth and your own success,
Janine:take ownership of it.
Janine:Why do you think we put black?
Janine:It's because to me,
Janine:it's almost like
Janine:allocating the excuse.
Janine:It's not taking the ownership
Janine:onto either your husband, your
Janine:partner, or whatever it is.
Janine:Why do we do that?
Roxanne:Again, I think it's
Roxanne:conditioning, it, it's an
Roxanne:escape as well, because then
Roxanne:we don't take responsibility.
Roxanne:We'll put it this way, if you
Roxanne:have the conversation whether
Roxanne:husband, partner, friend,
Roxanne:it doesn't matter, and that
Roxanne:person convinces you in some
Roxanne:way or influences you in
Roxanne:some way to make a call that
Roxanne:doesn't entirely sit with you.
Roxanne:'cause really you would've
Roxanne:loved that opportunity.
Roxanne:so when you come back and
Roxanne:you deliver the message
Roxanne:that you're not doing it.
Roxanne:It's easier to say, oh,
Roxanne:I spoke to my parents.
Roxanne:I've even had that, I've
Roxanne:spoken to my parents about
Roxanne:it and they think that I
Roxanne:should stay in Australia.
Roxanne:Or my husband thinks it's not
Roxanne:the right time now because
Roxanne:we've got our kids at school
Roxanne:and I'm the one that's
Roxanne:responsible for making sure
Roxanne:I'm home in the afternoons.
Roxanne:What, whatever it might be.
Roxanne:And that's fair enough.
Roxanne:Like, you know, that's,
Roxanne:that's, okay if that's
Roxanne:a decision, if it's
Roxanne:your decision as well.
Roxanne:and that's very different.
Roxanne:So that's different to Rox.
Roxanne:I thought about it, I've
Roxanne:discussed it with, with,
Roxanne:the family and what we've
Roxanne:got going on at the moment.
Roxanne:I need to be home and I
Roxanne:want to be home take care
Roxanne:of that responsibility.
Roxanne:At the.
Roxanne:moment,
Roxanne:I'd really love to
Roxanne:explore this maybe next
Roxanne:year or the year after.
Roxanne:Now, the other problem
Roxanne:with that is the assumption
Roxanne:that that opportunity is
Roxanne:gonna be there the next
Roxanne:year or the year after.
Roxanne:'cause it's not.
Janine:That's
Roxanne:The message that
Roxanne:you then send to the person
Roxanne:that was offering You that
Roxanne:opportunity, isn't that you're
Roxanne:grateful or isn't that, oh,
Roxanne:I might take it up next year.
Roxanne:What you're really saying
Roxanne:is I'm not backing myself.
Roxanne:You probably need to go
Roxanne:and choose somebody else.
Roxanne:That's the subliminal message,
Roxanne:and I think people need to be
Roxanne:aware of how we're communicate
Roxanne:with all of those things.
Roxanne:The message isn't, I
Roxanne:can't take it right now.
Roxanne:The message is deeper
Roxanne:than that, and that's
Roxanne:the message that goes
Roxanne:back to other people.
Roxanne:In the same way when we, are
Roxanne:conditioned or reject certain
Roxanne:things, the message is, I
Roxanne:don't believe I'm worth that.
Janine:mm And I think
Janine:you, I can't remember
Janine:which part of your book I
Janine:read it in, but you talk
Janine:about in my world, pricing
Janine:yourself is just a number.
Janine:And, and that number
Janine:is that reflection of
Janine:how we see ourselves.
Janine:Can you just go a little
Janine:bit deeper on that?
Roxanne:Yeah, so the
Roxanne:gender pay gap, isn't
Roxanne:just about money.
Roxanne:It's about what money
Roxanne:symbolizes And money
Roxanne:symbolizes our self-worth
Roxanne:and everything that,
Roxanne:that is attached to that.
Roxanne:So it's not about the
Roxanne:$5,000, the $2,000, the
Roxanne:2.4% growth, the 5% growth.
Roxanne:It's actually the,
Roxanne:Attachment to that what
Roxanne:it, what it symbolizes.
Roxanne:the other thing that goes
Roxanne:with that is that women
Roxanne:are just not as comfortable
Roxanne:discussing and talking
Roxanne:about money openly.
Roxanne:And if you can talk about
Roxanne:money openly, then it just
Roxanne:becomes a much more natural
Roxanne:way of discussing things.
Roxanne:a really good example the
Roxanne:other day we were looking at a
Roxanne:car and I was the one that was
Roxanne:doing the negotiation with it.
Roxanne:And the person I was dealing
Roxanne:with, I just was really
Roxanne:straight and I said, it
Roxanne:needs to be at this price.
Roxanne:It needs to, finance has
Roxanne:to be at this level, or
Roxanne:we, we won't be doing it.
Roxanne:I said, it's not
Roxanne:personal, it's just
Roxanne:that that's the deal.
Roxanne:and he was the
Roxanne:finance guy side.
Roxanne:He said, oh, thanks.
Roxanne:I really appreciate you
Roxanne:being straight with that.
Roxanne:This is what I can do.
Roxanne:I think we have to get
Roxanne:very comfortable talking
Roxanne:about money and not, not
Roxanne:being squirmy about it.
Janine:Yeah, in my world
Janine:we do a lot of the, the
Janine:same and you know, I'm very
Janine:commercial off, straight up.
Janine:I'm going, you know,
Janine:talk to me about where
Janine:your business is at.
Janine:I wanna look at the numbers.
Janine:Where are you
Janine:wanting to go to?
Janine:And every quarter we're
Janine:talking numbers, numbers,
Janine:numbers, numbers.
Janine:And I know initially
Janine:some people find it
Janine:really uncomfortable.
Janine:I love that.
Janine:I love that comment.
Janine:I dunno if you hear this of,
Janine:it's not about the money.
Janine:It's it's not about the money.
Janine:I'm going No, it's always
Janine:about the money because the
Janine:money facilitates whatever
Janine:lifestyle you want, et
Janine:cetera, et cetera, et cetera.
Janine:And it sort of
Janine:isn't and yet it is.
Janine:Whether it be lifestyle,
Janine:wealth, giving back, whatever.
Janine:where did your, I'm really
Janine:curious where, where did
Janine:your confidence, money
Janine:savviness, wealth savviness,
Janine:ability to talk, like you
Janine:said, clear with conviction.
Janine:Where do you think
Janine:that came from?
Roxanne:Hard work maybe,
Roxanne:I, started in recruitment
Roxanne:in the days when you could
Roxanne:make quite, you know, decent
Roxanne:money in recruitment and I
Roxanne:was young, I was a graduate.
Roxanne:I did a bachelor's of arts
Roxanne:degree and all of my friends
Roxanne:did economics, finance,
Roxanne:business medicine law.
Roxanne:So amongst my friends,
Roxanne:I always felt like, I
Roxanne:was like, not the loser,
Roxanne:but you know, like they
Roxanne:were all doing medicine
Roxanne:and law And everything.
Roxanne:and it was during the
Roxanne:recession, so it was
Roxanne:hard to get a job.
Roxanne:And they all landed jobs.
Roxanne:And then I finally got a job
Roxanne:and I fell into recruitment
Roxanne:and I was good at it.
Roxanne:And I got paid really well
Roxanne:because it was bonus linked.
Janine:Yeah,
Roxanne:And I remember
Roxanne:feeling that I didn't
Roxanne:deserve those bonuses and
Roxanne:that that money, and I
Roxanne:remember always feeling.
Roxanne:Embarrassed about it and
Roxanne:also like a fraud, like,
Roxanne:oh, what if people actually
Roxanne:find out that I'm not that
Roxanne:smart, I'm not that good.
Roxanne:And you know, this
Roxanne:is just really lucky.
Roxanne:And that was one of the
Roxanne:reasons why I did further
Roxanne:study was because I
Roxanne:never wanted to be in a
Roxanne:position where I couldn't
Roxanne:justify it all, And.
Roxanne:suddenly enough, then I just
Roxanne:worked harder and harder and
Roxanne:harder, And then it just got
Roxanne:to a point where people would
Roxanne:want a discount or something.
Roxanne:And I just thought, no.
Roxanne:I'm gonna work till 10
Roxanne:o'clock at night for you.
Roxanne:I'm gonna wake up
Roxanne:at three o'clock in
Roxanne:the morning for you.
Roxanne:I will deliver because
Roxanne:I will kill myself
Roxanne:to deliver for you.
Roxanne:And if you don't wanna
Roxanne:pay for that, that's okay.
Roxanne:But
Roxanne:I need to feel good about
Roxanne:working with you, and I'm not
Roxanne:gonna feel good about it if
Roxanne:you just ask me for a discount
Roxanne:where it, it's belittling and
Roxanne:I, it's not my worth anymore.
Roxanne:So I don't know where it came
Roxanne:from, but probably a bit of
Roxanne:time, a bit of hard knocks.
Roxanne:definitely hard
Roxanne:work Right now.
Roxanne:I feel I absolutely deserve.
Roxanne:In fact, I often
Roxanne:feel I deserve more,
Roxanne:therefore I charge.
Roxanne:So I sometimes think
Roxanne:I need to charge more.
Janine:I have, I have
Janine:this little game going
Janine:with a colleague of mine
Janine:where the game is to
Janine:see how much we can get.
Roxanne:Oh, really?
Janine:cause you know,
Janine:when I started out post
Janine:corporate, I, I charge X
Janine:amount and I, I personally,
Janine:my, my business strategy
Janine:is days down, dollars up.
Janine:So I wanna earn, I. As
Janine:much money as I can for as
Janine:few days work as possible.
Janine:So I strategically structured
Janine:my business around that.
Janine:So for me, you know, every
Janine:time I can up my prices,
Janine:it's like brilliant bonus,
Janine:I can get some time off.
Janine:But equally it's, you know,
Janine:there, there's so many real
Janine:world examples for me, whether
Janine:it be same clients, same buyer
Janine:who might be paying me x. And
Janine:they're paying somebody else.
Janine:YI go, there's, there's no,
Janine:there's no science in pricing.
Janine:Uh, for example,
Janine:or, or salary.
Janine:I go, you know, who
Janine:sets this stuff?
Janine:My argument to my clients,
Janine:I, who, who's told you
Janine:that you can only charge X?
Janine:Because I haven't seen a,
Janine:a book anywhere where I've
Janine:signed up to say, uh, I can
Janine:only charge $500 an hour.
Janine:It's like, rubbish.
Janine:Who said, how can Tony
Janine:Robbins charge a million?
Janine:Like.
Roxanne:The thing that I
Roxanne:would say with that is it's.
Roxanne:Not about just charge,
Roxanne:in my opinion, not just
Roxanne:about charging more and not
Roxanne:just about asking for more
Roxanne:money because I Wally then
Roxanne:that people will really
Roxanne:fall badly if what you are
Roxanne:asking for is not warranted.
Roxanne:So like, as you know, when
Roxanne:I said to you before, I'm
Roxanne:gonna work really hard for
Roxanne:my clients, so I feel really
Roxanne:comfortable in sticking to
Roxanne:my rates and not discounting.
Roxanne:And If people are going to
Roxanne:ask for a pay increase, for
Roxanne:example, or charge a certain
Roxanne:price, I think it's gotta be.
Roxanne:You gotta back it up.
Roxanne:because otherwise
Roxanne:people are gonna be in a
Roxanne:situation where the boss
Roxanne:is gonna say, well no,
Janine:and.
Roxanne:and we're
Roxanne:in difficult climate
Roxanne:at the moment
Janine:Yeah.
Janine:You, you've got to have
Janine:the social proof to back
Janine:it up the worth to back
Janine:it up the case studies.
Janine:Absolutely.
Janine:And um, that same son I was
Janine:telling you about, we were
Janine:having a round the table
Janine:conversation where I'd.
Janine:Suggested he taught to,
Janine:he's doing an internship
Janine:at the moment and it's an
Janine:internship that's unpaid.
Janine:Well, isn't he lucky
Janine:he can stay at home?
Janine:But I said to him you know,
Janine:go and talk to the boss
Janine:and, and have a conversation
Janine:about his, her career.
Janine:And the per the
Janine:leader actually said.
Janine:Say yes, say yes as
Janine:much as possible.
Janine:do the work.
Janine:you won't necessarily earn
Janine:x like your mates 'cause
Janine:he's, he's got into a
Janine:certain industry that isn't
Janine:the big paid industry.
Janine:But over time it will, it
Janine:will pick up like this.
Janine:And that's what you
Janine:are talking about,
Janine:that balance between.
Janine:getting paid what you're
Janine:worth, but equally
Janine:having the backup and the
Janine:evidence, uh, which is key.
Janine:This book, I'm
Janine:holding it here.
Janine:For anyone that's
Janine:watching this on YouTube
Janine:what's your wish?
Janine:You know, you've got in
Janine:here so many mindset tools.
Janine:You talk about confidence.
Janine:The people that are listening
Janine:to this not right now, who
Janine:are going Yes, Rox, and
Janine:I know I Yes, yes, yes.
Janine:I'm with you.
Janine:I've got all of that stuff
Janine:holding me back and getting
Janine:so frustrated 'cause people
Janine:are jumping ahead of me
Janine:or getting paid more with.
Janine:More than me for the same job.
Janine:what sort of advice
Janine:would you give them
Roxanne:I mean, this
Roxanne:is my advice, just
Roxanne:probably in general in
Roxanne:terms of life, but I just
Roxanne:question all assumptions.
Roxanne:You know, like you
Roxanne:said, who, who says you
Roxanne:have to charge that?
Roxanne:What rule what rules
Roxanne:said that, which is
Roxanne:again, bizarre because.
Roxanne:I'm rule conscious, but
Roxanne:I also really love to
Roxanne:break certain rules.
Roxanne:So it, I, I think just
Roxanne:questional assumptions.
Roxanne:So the next time in a daily
Roxanne:basis as well, and especially
Roxanne:anything around gender.
Roxanne:You know, I, I, give those
Roxanne:stories in, in the book where
Roxanne:daily you, if you listen,
Roxanne:you will hear All of those
Roxanne:um, levels of bias being laid
Roxanne:on, young women all the time.
Roxanne:So I just would question all
Roxanne:of it and don't let that be
Roxanne:the legacy or be the label
Roxanne:that you carry with you
Roxanne:when you make a decision on
Roxanne:something and maybe, you know.
Roxanne:Think if it was the male
Roxanne:next door to me, how would
Roxanne:they feel about that I
Roxanne:think they're gonna think
Roxanne:differently about it.
Roxanne:Sometimes I do that,
Roxanne:sometimes I'm like, right,
Roxanne:I'm about to have this
Roxanne:difficult conversation.
Roxanne:I wonder what the difference
Roxanne:would be if I was a male.
Roxanne:How would they tackle it?
Roxanne:what words would they use?
Roxanne:What body language
Roxanne:would they use?
Roxanne:And then sometimes that
Roxanne:doesn't always work.
Roxanne:'cause you, you have to be
Roxanne:congruent and you have to be
Roxanne:genuine in, in your own style.
Roxanne:I sometimes do, do that
Roxanne:just to, you know, I
Roxanne:always think you should
Roxanne:challenge assumptions.
Janine:there's a table in
Janine:your book where you talk
Janine:about over a period of time
Janine:not asking for the pay rise
Janine:and you've got the opposite.
Janine:Can you, can you.
Janine:Try and articulate that.
Janine:'cause to me that
Janine:was like, whoa.
Janine:And I think that's where that
Janine:million dollar gap comes in.
Janine:It was like, oh wow.
Janine:Like the reality is there.
Roxanne:think
Roxanne:that's chapter five.
Roxanne:So.
Roxanne:I break the book down
Roxanne:to explain all of that.
Roxanne:But in this one chapter, I do
Roxanne:sort of try and show people
Roxanne:a really basic, easy formula.
Roxanne:Again, going back to what we
Roxanne:were saying before that most
Roxanne:people will be like, oh no,
Roxanne:I'm not affected by that.
Roxanne:But in actual fact, you
Roxanne:know, like I said, most
Roxanne:women are, so, for example,
Roxanne:there's one that I.
Roxanne:Talk about where if you are
Roxanne:a woman who, and if we use
Roxanne:the average salary that's
Roxanne:taken from the Australian
Roxanne:Bureau statistics of 98,000,
Roxanne:if you use that salary.
Roxanne:and you do not receive one
Roxanne:single pay increase for a 10
Roxanne:year period, and you know, you
Roxanne:might be thinking, oh, come
Roxanne:on, that's an exaggeration.
Roxanne:It is absolutely
Roxanne:not an exaggeration.
Roxanne:If you sit in a circle
Roxanne:with five women.
Roxanne:One of those women will
Roxanne:not have had a pay increase
Roxanne:for that period of time.
Roxanne:So I'm talking about just
Roxanne:minimal wage growth of 2.4%,
Roxanne:that over a 10 year period
Roxanne:is a difference of $139,000,
Roxanne:which is a lot of money that
Roxanne:can be paid off in a mortgage
Roxanne:or whatever it might be, let
Roxanne:alone what that does to your
Roxanne:superannuation at the end.
Roxanne:Let alone the fact
Roxanne:that your buying power,
Roxanne:is less.
Roxanne:Let's even forget
Roxanne:about the increase.
Roxanne:You actually cannot buy the
Roxanne:same milk and bread that
Roxanne:you bought before because
Roxanne:you, your, your dollar value
Roxanne:is less 10 years later.
Roxanne:So that's the reality.
Roxanne:I I also break it down
Roxanne:in, in another way, in, in
Roxanne:that chapter when I show
Roxanne:three different ladies
Roxanne:who make three different
Roxanne:decisions over their
Roxanne:career and the difference
Roxanne:in earnings for them.
Roxanne:And again, it shows it
Roxanne:really clearly small
Roxanne:decisions that people
Roxanne:make just tiny decisions.
Roxanne:They're not big ticket ones.
Roxanne:Make a difference at buy a
Roxanne:million dollars and that's
Roxanne:because it's the compound
Roxanne:effective earnings as well.
Roxanne:It's not the, I'm not
Roxanne:gonna ask my boss for that
Roxanne:$2,000 increase because
Roxanne:it's only $2,000 after tax.
Roxanne:It's not very much who
Roxanne:could be bothered with that?
Roxanne:I don't wanna go through
Roxanne:the pain of him saying no to
Roxanne:me or her saying no to me.
Roxanne:I'd rather just get on with
Roxanne:it so it, it's not about that.
Roxanne:It's about the, fact that
Roxanne:that $2,000 this year, plus
Roxanne:wage growth the following
Roxanne:year, and again and again
Roxanne:and again, turns out to
Roxanne:be more than you think.
Janine:over dinner one
Janine:night with some friends.
Janine:We actually broke down what
Janine:our, not just the live cost
Janine:of living expenses from
Janine:the perspective of, looking
Janine:after your family or your
Janine:significant others or whoever
Janine:it is, but just all the other.
Janine:Duff that we, you know,
Janine:you go hair, I need
Janine:to get my hair done.
Janine:And the amount of doctor's
Janine:appointments, particularly
Janine:depending on what stage
Janine:of life you're at, the
Janine:medication, the, this,
Janine:that, and you go, oh my
Janine:God, it's ridiculous.
Janine:The amount of extra.
Janine:Spence that we potentially,
Janine:individually take on board.
Janine:It reminds me as you're
Janine:talking about, uh, a few years
Janine:ago I had a client and she
Janine:was asking my advice about
Janine:which she'd been approached
Janine:to take a new job and.
Janine:Honestly for probably about
Janine:half an hour, it was like
Janine:she was reading through
Janine:the list of, this is what
Janine:I'm doing here, this is
Janine:what I'd be doing there.
Janine:and it was all essentially
Janine:qualitative stuff that she'd
Janine:be working on right onto
Janine:the hours and how far she'd
Janine:have to travel and whether
Janine:she'd have her own office and
Janine:this, and I went, hang on.
Janine:Can we just, like, you've been
Janine:talking to me through your
Janine:list of pluses and minuses
Janine:Ah, ah, I haven't even thought
Janine:about that because I think
Janine:I need to put in like this.
Janine:It could come later.
Janine:And as long as I prove myself,
Janine:I'm like, I'm sorry, but I
Janine:reckon your male colleagues
Janine:wouldn't even be having the
Janine:in-depth conversation unless
Janine:they knew about the dollars,
Janine:and that comes back to that
Janine:ingrained bias or assumption.
Roxanne:Because of the
Roxanne:industry I'm in, 'cause
Roxanne:I'm in that employment
Roxanne:area, you have to pick the
Roxanne:right place because the
Roxanne:wrong place for the right
Roxanne:dollars will set you back.
Roxanne:'cause you'll, you know, if
Roxanne:you know the right place,
Roxanne:you're not gonna thrive.
Roxanne:But equally the dollars
Roxanne:must come into place.
Roxanne:Like when you said
Roxanne:before, I agree with you.
Roxanne:It is all about the money,
Roxanne:not from a greed perspective
Roxanne:and not for any other
Roxanne:reason, except that money
Roxanne:makes the world go round.
Roxanne:if you wanna denote
Roxanne:to charity, fabulous.
Roxanne:But you need money to do that.
Roxanne:If you wanna help your
Roxanne:parents, your children,
Roxanne:you need money to do that.
Roxanne:All of those things.
Roxanne:And we were too scared to
Roxanne:admit that or say that,
Roxanne:and especially in business,
Roxanne:because we are conditioned
Roxanne:also, not just females, but
Roxanne:I think business in general.
Roxanne:We are conditioned also
Roxanne:not to be too profitable,
Roxanne:and I'm sorry, but
Roxanne:especially small businesses.
Roxanne:We must be profitable.
Roxanne:We employ the, you know,
Roxanne:the largest sector and.
Roxanne:We've gotta do that.
Roxanne:It's good for our
Roxanne:employees to do that.
Janine:Mm. And I think part
Janine:of that challenge in terms
Janine:of the, the conditioning
Janine:it's almost like when you
Janine:are employed, it's a slightly
Janine:easier to negotiate rates
Janine:and proposals because you're
Janine:hiding behind the brand.
Janine:Suddenly when it's
Janine:yourself for whatever
Janine:reason, it becomes harder.
Janine:And I hear that, but
Janine:I've only been doing
Janine:this for six months.
Janine:I go, no, you haven't.
Janine:You've been doing this
Janine:for three decades.
Roxanne:That's it.
Roxanne:That's it.
Roxanne:You've got all that wisdom
Roxanne:and experience and knowledge
Roxanne:that brings it to this level.
Roxanne:Totally.
Janine:Um, I love it.
Janine:That's such a great book.
Janine:Before, before we wrap, I
Janine:really wanna talk a little bit
Janine:about this chapter seven and
Janine:then finally chapter eight.
Janine:'cause Chapter seven.
Janine:I love, 'cause you've added
Janine:this perspective about
Janine:the insight and advice
Janine:for our beautiful men.
Janine:Can you tell me a little
Janine:bit more about, why
Janine:you wanted to include
Janine:that perspective in the
Roxanne:Yeah, because the
Roxanne:gender pay gap is complex
Roxanne:and controversial because
Roxanne:people don't understand it.
Roxanne:And anyone first hears me
Roxanne:talk about it, I'm sure that
Roxanne:they think that I'm banging
Roxanne:on about the structural
Roxanne:EL elements, et cetera.
Roxanne:Yeah, they're relevant, but
Roxanne:no, I'm banging on about
Roxanne:the internal elements that
Roxanne:stop us from earning more.
Roxanne:And so equally.
Roxanne:I don't want people to
Roxanne:think that it's a male
Roxanne:bash 'cause it's just not.
Roxanne:And the males that are in
Roxanne:our life, I'm fortunate to
Roxanne:have had a, you know, great
Roxanne:dad, brother partner who've
Roxanne:been really supportive.
Roxanne:So maybe, you know, when
Roxanne:you said to me before, why
Roxanne:do you have confidence?
Roxanne:I don't know, maybe
Roxanne:it comes from that.
Roxanne:But equally, I was also
Roxanne:conditioned to be a girl.
Roxanne:You know, like, you gotta wear
Roxanne:that, you've gotta do that.
Roxanne:No, you can't speak up and,
Roxanne:you know, all those things.
Roxanne:But I put that in there
Roxanne:because we're a team.
Roxanne:You know, we're
Roxanne:humans together.
Roxanne:And if you start to be
Roxanne:divisive and be like, oh,
Roxanne:males do that, and females
Roxanne:do that, it's not about that.
Roxanne:It's really about
Roxanne:coming together.
Roxanne:And we need males to be
Roxanne:supportive of us in the
Roxanne:workforce and as our
Roxanne:partners or as our friends
Roxanne:or as our parents or
Roxanne:whatever that might be.
Roxanne:And in many, many different
Roxanne:ways in the workforce.
Roxanne:It's not just about mentoring,
Roxanne:it's about being sponsors.
Roxanne:For us, there's a big.
Roxanne:Difference between
Roxanne:what that is.
Roxanne:And there are many men,
Roxanne:many male CEOs, leaders out
Roxanne:there who do a fabulous job.
Roxanne:And I don't want the
Roxanne:gender pay gap to be about
Roxanne:saying that or inferring
Roxanne:that that's not the case.
Roxanne:Because, you, you
Roxanne:know, we're a team.
Janine:Yeah.
Janine:Yeah.
Janine:And, and that then leads
Janine:onto that final piece where
Janine:you talk about, again,
Janine:speaking my language, the
Janine:importance of a support squad.
Janine:You know, you talk about these
Janine:support networks and, and
Janine:getting advice from people to
Janine:help navigate this journey.
Janine:Can you, again, can you,
Janine:from your perspective.
Janine:Why?
Janine:Why is it so important to
Janine:surround yourself with the
Janine:right people that are gonna
Janine:help you navigate this?
Roxanne:Because if you don't,
Roxanne:you've got false structures.
Roxanne:if you go to your mom,
Roxanne:your mom is gonna be
Roxanne:protective unless, I mean.
Roxanne:You're probably the only
Roxanne:mom maybe that is gonna be
Roxanne:like, listen, I can give it
Roxanne:to you straight, but most
Roxanne:moms are gonna be like my
Roxanne:poor son, my poor daughter,
Roxanne:that they're gonna see it
Roxanne:from a different perspective.
Roxanne:So your mom isn't always
Roxanne:the best person to go to.
Roxanne:Neither is your partner and
Roxanne:neither is your best friend.
Roxanne:Maybe differently depending on
Roxanne:the relationships you've got.
Roxanne:Um.
Roxanne:I feel like I'm fortunate
Roxanne:enough if I go to my partner
Roxanne:and tell him about a scenario,
Roxanne:he's always able to go,
Roxanne:actually, I think you've
Roxanne:got that wrong, or no, I
Roxanne:think you are wrong in that
Roxanne:situation, Rox and whatever.
Roxanne:So you have to also be open
Roxanne:to giving that feedback to,
Roxanne:to change So I think it's
Roxanne:important to have those people
Roxanne:around you who will not say
Roxanne:what you want them to say and
Roxanne:not agree with you, and be
Roxanne:comfortable in hearing that
Roxanne:so that you can make the right
Janine:decision
Janine:for you?
Janine:yeah.
Janine:Couldn't agree more.
Janine:Roxanne, what's, your
Janine:wish for this book?
Janine:If it could touch one person,
Janine:if it could change somebody's
Janine:life that's listening to
Janine:this, if it could give them
Janine:one thing, what is your
Janine:wish for this, this book
Janine:in terms of its impact?
Roxanne:to know that women
Roxanne:have enormous potential and
Roxanne:that we should harness that.
Janine:Yeah.
Janine:Love that.
Janine:Roxanne, it's been an
Janine:absolute pleasure to chat.
Janine:I have a feeling that we
Janine:could sit down over a few
Janine:bowls of wine and a nice
Janine:dinner, and between the
Janine:two of us definitely work
Janine:on, uh, how, how to, how
Janine:to get researcher this.
Janine:And for those of you that are
Janine:listening you know, if you
Janine:weren't ready to claim your
Janine:earning power before, I so
Janine:hope that you are now after
Janine:this incredible conversation
Janine:because as Roxanne shares
Janine:in her book Earning Power,
Janine:it's about the mindset.
Janine:It's about actually the
Janine:reality check of this, this
Janine:million dollar formula.
Janine:And actually, you know, as,
Janine:as we've talked about, I think
Janine:Roxanne, I wanna just thank
Janine:you for giving every single
Janine:one of us the nudge that we
Janine:need to stop playing small.
Janine:Because like you, I believe
Janine:we're not here to shrink,
Janine:we're not here to barter.
Janine:I. Our brilliance in
Janine:exchange for breadcrumbs.
Janine:You know, you, every single
Janine:one of you listening here,
Janine:you've made choices and you
Janine:are here to build your version
Janine:of wealth, whatever that is.
Janine:And it's about claiming your
Janine:space and it's about getting
Janine:paid your worth, your right,
Janine:according to wherever you
Janine:are at in your business or
Janine:in your career right now.
Janine:So.
Janine:If this episode has lit
Janine:up that fire for you, uh,
Janine:please don't let it fade.
Janine:Please share it.
Janine:Please post it.
Janine:Please check out the
Janine:fabulous Roxanne Calder.
Janine:You can check the
Janine:show, show notes.
Janine:Her contact details
Janine:are in there.
Janine:And definitely grab yourself
Janine:a copy of Earning Power.
Janine:It will certainly make
Janine:you and go really, and
Janine:open those eyes wide and give
Janine:you the reality check of.
Janine:Potentially some decisions, if
Janine:not many, that you have made
Janine:for yourself that have given
Janine:you actually taking you a step
Janine:back from where you can be.
Janine:Roxanne, thank
Janine:you again so much
Janine:and thanks for
Janine:writing this book.
Roxanne:Thanks
Roxanne:so much, Janine.
